Consumer bankruptcy proceedings in the local court (bankruptcy court) to discharge debts following a failed attempt at an out-of-court settlement.
Damit wir File for personal bankruptcy mit dem zuständigen Amtsgericht in Ihrer Stadt anzeigen können.
Oder Großstadt wählen:
Sie werden zur geführten Suche weitergeleitet – mit Kontaktdaten, Termin und nächsten Schritten für File for personal bankruptcy.
Quick answer
Documents you need
Identification card or passport · Form / Application
Responsible authority
The authority of your main residence
How to do it
In person or by post at the office
Costs
Varies by case
Attempt to reach an out-of-court settlement
With the help of a debt counseling agency, a debt settlement plan is sent to all creditors.
Petition to the Bankruptcy Court
Accompanied by a certificate confirming the failure to reach an agreement, a statement of financial position, and a debt settlement plan.
Discharge of remaining debt following a probationary period
Usually after 3 years, provided all obligations have been met.
The authority of your main place of residence is responsible.Find authority →
Who is eligible?
Over-indebted individuals who are not self-employed (or former self-employed individuals with modest means).
Income limit
Processing time
Nationwide: approx. approx. 37 months
Success rate
approx. 90.0 % (estimate)
Read the decision carefully: often submitting missing documents or reapplying helps more than an objection.
10–80 € depending on the certificate/procedure.
Typically about 1,095 business days—depending on the agency and its workload.